Of 11,645 FHA applications reaching a credit decision in this metro in 2025, 1,906 were formally denied. Small applications (<$150K) were denied at 29.2% vs 15.8% for large ones ($250K+) — a 1.85× penalty.
The metro's five highest-volume FHA lenders, by observed 2025 denial rate — a 4.0-point spread inside one metro:
| Lender | Decisioned apps (this metro) | Denial rate |
|---|---|---|
| United Wholesale Mortgage | 971 | 19.9% |
| ROCKET MORTGAGE | 429 | 21.9% |
| Lennar Mortgage, LLC | 595 | 22.4% |
| DHI Mortgage Company, LTD. | 1,395 | 23.9% |
A metro average is a tendency, not a rule — and the table above shows why: the same city contains very different doors. If you've been denied, decode the reason first, then pick the next door on the record, not on advertising.
Denied? The Denial Map → All 100 lenders → All 320 metros →